Pricing Guide · Waukegan
Insurance Agents Cost in Waukegan, IL — 2026 Price Guide
What should you pay for insurance agents in Waukegan? See real 2026 price ranges from local pros and get free quotes to compare.
As of June 2026, RatingsNearMe ranks 19 insurance agents in Waukegan, IL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Illinois Vehicle Auto Insurance with a 4.8-star rating from 778 Google reviews and an RNM Score of 85/100. Also in the top tier: Manuel Torres - State Farm Insurance Agent and Freeway Insurance. The average rating across all listed insurance agents in Waukegan is 4.6 stars from 202 reviews per business on average.
Insurance in Waukegan: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated June 13, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Need Insurance Plus More
Need Insurance Plus More is consistently recognized as a top-ranked agent in Waukegan for its comprehensive coverage options and exceptional customer service.
Most Reviewed
Freeway Insurance
A high review count reflects broad customer experience and can indicate reliable, trustworthy service over time.
When choosing an insurance agent in Waukegan, compare quotes from multiple agencies and verify their licenses and customer reviews to ensure you get the best coverage and rates for your needs.
Local Market Snapshot
19
Businesses listed
4.6★
Avg rating
202
Avg reviews
Jun 13, 2026
Last updated
Top Rated Insurance Agents
Trusted by hundreds of local clients, this Waukegan insurance agent holds a 4.8-star rating.
3026 Belvidere Rd, Waukegan, IL 60085, USA4.9-star rating from nearly 700 reviews makes this Waukegan insurance agent highly trusted.
1520 Washington St, Waukegan, IL 60085, USAShoppers praise this Waukegan agent's exceptional service, reflected in a 4.8★ rating from 480 reviews.
701 N Lewis Ave, Waukegan, IL 60085, USAInsurance Agents Rankings in Waukegan, IL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Illinois Vehicle Auto Insurance3026 Belvidere Rd, Waukegan, IL 60085, USA | 4.8★ | 778 |
| #2 | Manuel Torres - State Farm Insurance Agent1520 Washington St, Waukegan, IL 60085, USA | 4.9★ | 695 |
| #3 | Freeway Insurance701 N Lewis Ave, Waukegan, IL 60085, USA | 4.8★ | 480 |
| #4 | Magnum Insurance Agency2312 Grand Ave, Waukegan, IL 60087, USA | 4.2★ | 66 |
| #5 | Progressive Authorized Agent Elizabeth Vaca229 S Green Bay Rd, Waukegan, IL 60085, USA | 4.3★ | 31 |
| #6 | Need Insurance Plus More229 S Green Bay Rd, Waukegan, IL 60085, USA | 4.5★ | 50 |
| #7 | ANGUIANO INSURANCE AGENCY & TAX2106 Grand Ave, Waukegan, IL 60085, USA | 5.0★ | 11 |
| #8 | Tim Vinson - State Farm Insurance Agent2730 Grand Ave, Waukegan, IL 60085, USA | 4.9★ | 324 |
| #9 | Maylen Torres - State Farm Insurance Agent318 S Green Bay Rd, Waukegan, IL 60085, USA | 4.8★ | 298 |
| #10 | Farmers Insurance - Daniel Cahue102 S Genesee St, Waukegan, IL 60085, USA | 5.0★ | 285 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Waukegan
66 Google reviews give this Waukegan insurance agent a solid 4.2-star rating.
2312 Grand Ave, Waukegan, IL 60087, USA
Trusted locally with a solid 4.3★ rating from over 30 reviews.
229 S Green Bay Rd, Waukegan, IL 60085, USA
Rated 4.5 stars from 50 Google reviews, a trusted local insurance option.
229 S Green Bay Rd, Waukegan, IL 60085, USA
A local gem trusted by 11 clients for its perfect 5.0-star rating.
2106 Grand Ave, Waukegan, IL 60085, USA
Trusted by hundreds of local clients, this Waukegan agent maintains a flawless 4.9-star rating.
2730 Grand Ave, Waukegan, IL 60085, USA
A highly-rated local insurance agent with a 4.8-star average from nearly 300 reviews.
318 S Green Bay Rd, Waukegan, IL 60085, USA
5.0 stars from nearly 300 reviews in Waukegan.
102 S Genesee St, Waukegan, IL 60085, USA
Trusted Waukegan insurance agent with a stellar 4.9★ rating from over 200 reviews.
2009 N Green Bay Rd, Waukegan, IL 60087, USA
3.9 stars from 107 Google reviews, reflecting mixed but generally positive feedback.
1055 N Green Bay Rd, Waukegan, IL 60085, USA
Trusted by hundreds of local clients with a strong 4.6-star rating.
2243 Belvidere Rd, Waukegan, IL 60085, USA
5.0★ rating from 95 Google reviews for reliable insurance guidance.
927 W Glen Flora Ave, Waukegan, IL 60085, USA
Shoppers give this local insurance agent a solid 4.2 stars from 71 reviews.
2111 Washington St, Waukegan, IL 60085, USA
Trusted by local clients with a strong 4.5-star rating across dozens of reviews.
328 S Green Bay Rd, Waukegan, IL 60085, USA
4.1 stars from 33 reviews for a Waukegan insurance agent.
2744 Grand Ave, Waukegan, IL 60085, USA
Exceptional 5.0-star rating from 8 reviews for a Waukegan insurance agent.
1101 Chestnut St, Waukegan, IL 60085, USA
Hundreds of Google reviews give this Waukegan insurance agent a solid 4.1-star rating.
1820 Washington St, Waukegan, IL 60085, USA
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Insurance Agents in Waukegan, IL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Illinois Vehicle Auto Insurance | 85/100 | 4.8 ★ | 778 |
| 2 | Manuel Torres - State Farm Insurance Agent | 87/100 | 4.9 ★ | 695 |
| 3 | Freeway Insurance | 85/100 | 4.8 ★ | 480 |
| 4 | Magnum Insurance Agency | 68/100 | 4.2 ★ | 66 |
| 5 | Progressive Authorized Agent Elizabeth Vaca | 65/100 | 4.3 ★ | 31 |
| 6 | Need Insurance Plus More | 71/100 | 4.5 ★ | 50 |
| 7 | ANGUIANO INSURANCE AGENCY & TAX | 72/100 | 5.0 ★ | 11 |
| 8 | Tim Vinson - State Farm Insurance Agent | 87/100 | 4.9 ★ | 324 |
| 9 | Maylen Torres - State Farm Insurance Agent | 85/100 | 4.8 ★ | 298 |
| 10 | Farmers Insurance - Daniel Cahue | 88/100 | 5.0 ★ | 285 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Insurance Agents in Waukegan
What is the difference between a captive and independent insurance agent in Waukegan?
Captive agents (State Farm, Allstate, Farmers) represent one company and can only quote that carrier's products. Independent agents work with multiple carriers — they shop your policy across companies to find the best rate and coverage for your situation. For most consumers, an independent agent offers more flexibility. Captive agents may have deeper expertise in their specific carrier's products and claims process.
How do I verify an insurance agent's license in IL?
Search the IL Department of Insurance's online license lookup — Google "IL Department of Insurance license lookup" for the direct link. You can verify current license status, license type, and any disciplinary actions. Every agent selling insurance in IL must be licensed with the state.
How much does working with a local insurance agent in Waukegan cost?
In most cases, nothing directly. Insurance agents earn commissions paid by the insurance company — typically 5–15% of your annual premium for property/casualty coverage, 40–100% of first-year premium for life insurance. Fee-based agents charge separately and disclose it upfront. Always ask how your agent is compensated so you understand any potential incentives.
Should I buy insurance online or through a local agent in Waukegan?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Waukegan adds real value for homeowners insurance, life insurance, commercial policies, or any situation with complexity — rental properties, high-value items, home-based businesses, or coverage gaps. They also advocate for you during a claim, which online portals don't.
How are the insurance agents on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
Insurance Agents in Nearby Cities
Compare top-rated insurance agents in cities near you.
How Rankings Work on This Page
Every insurance agents on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: June 13, 2026.
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